You think they're bad to borrow off, you should try working for them!!! Lots of workplace bullying, discrimination and favouritism within the ranks. They rip people off left, right and centre, hopefully this new scheme will be approved, people will be rightfully compensated for all the poorly sold loans and provy will be no more!!! I've seen reps be horrible to the clientele, a rep pretending to get robbed and managers bullying people into quitting their jobs, if that didn't work they were put under investigation for things they hadn't done and then "let go"! The HR department always took the side of the manager clearly when they were in the wrong! Reps changing people's payment day as it suited them better. How can someone be expected to pay on a Wednesday when they don't get paid until Friday and for several years had their payment day as a Friday. People don't like change! There's a constant change of reps in areas as people are being forced out of their jobs. Hopefully this will end soon!!! For everyone's sake I think the financial ombudsman needs to look into them properly. How is it ethical to let someone refinance their loan, where they get approximately £1200 in their hand from a £2500 loan and have to pay back almost £6000 They prey on the financially vulnerable, keeping them on a slippery slope of debt where at any minute they could drown in the never ending cycle of reps repeatedly calling for money that people simply don't have